Split the Cost and Shop Smarter — Flexible Payment Options at Cash Converters

In today’s world, more people than ever are looking for ways to manage their money and shopping wisely. Whether it’s spreading the cost of a bigger purchase, budgeting across paydays, or simply avoiding the pressure of paying everything upfront, flexible payment options are becoming a normal part of everyday shopping for a lot of people. 

At Cash Converters, we’re proud to offer a range of affordable, interest-free ways to split the cost online and in-store, including Clearpay, PayPal Pay in 3 and our very own Layby service. We understand the pressure our customers can go through on a monthly basis, so we want to help as much as we can.

Here’s everything you need to know.

Why People Use Buy Now, Pay Later

Buy Now, Pay Later (BNPL) has grown fast because it fits the way people live and budget today. Here are the main reasons customers choose it:

✔ 1. To Spread the Cost Without Paying Interest

BNPL offers interest-free instalments as long as payments are made on time. It makes purchases easier to manage and removes the stress of a big upfront payment.

✔ 2. Convenience & Speed

Most BNPL services take seconds to approve and sit right at checkout. No paperwork, no hassle.

✔ 3. Flexibility During Tight Months

Life happens, car repairs, birthdays, bills. BNPL gives shoppers breathing space when budgets are stretched.

✔ 4. A Modern Alternative to Credit Cards

Many people prefer BNPL because there’s no traditional credit application, it feels less formal than a loan and often only a soft check is required. It’s accessible for people who don’t use credit cards or can’t qualify for one.

✔ 5. Makes Bigger Purchases More Achievable

Items like electronics, jewellery, gaming consoles, or home essentials become more attainable when paid in instalments.

✔ 6. It Feels More Affordable (Psychology)

Splitting a cost into 3 or 4 smaller payments makes the total feel more manageable,  even if buyers could pay upfront.

✔ 7. Better Cashflow Management

BNPL helps align spending with payday. For someone paid monthly, smaller instalments often fit their budget more comfortably.

Your Flexible Payment Options at Cash Converters

Clearpay - Pay Over 6 Weeks

Clearpay is an interest-free online option that splits your purchase into four instalments over six weeks:

• 25% upfront
• 3 payments every two weeks
• No interest when you pay on time
• Available online and in-store.
  
  

A great choice for medium-sized purchases where six weeks feels like the right amount of time to spread things out.

PayPal Pay in 3 — Simple Online Instalments

PayPal Pay in 3 lets you split your purchase into three equal, interest-free payments.

• First payment: at checkout
• Second & third payments: automatically every month
• No interest & no setup fees
• Available for purchases between £30–£2,000
  
  

It’s perfect for online shoppers who want an easy, secure way to spread the cost without extra charges.

Cash Converters Layby.  In-Store, No Interest, No Credit Checks.

Prefer to shop in person? Our Layby service gives you complete flexibility without any form of credit.

Here’s how it works:

1. Choose an item in-store.
2. Pay a small deposit.
3. We hold the item for you.
4. You pay the rest off in easy instalments over an agreed time frame.
5. When it’s fully paid, you take it home.
   
   

No interest. No fees. No credit checks. Just a simple, old-school way to secure something you love while spreading the cost over time.

Which Option Is Right for You?

Spend Smart, Buy Happy.

We believe shopping should be flexible, affordable, and stress-free. Whether you're buying online or in-store, our payment options help you spread costs responsibly by giving you more control over your budget.

Just remember: whichever option you choose, staying on top of your instalments ensures the experience stays smooth, interest-free, and worry-free.

⚠ Important:

BNPL should be used responsibly. Missing payments on BNPL plans can lead to late fees or negative credit impacts. Keeping track of payment dates is essential.